Maqasid as-Syari’ah dan Asuransi Syari’ah

Ahmad Yunadi

Abstract


The study of Islamic insurance and maqasid sharia in this research writing uses a philosophical approach known as analyzing insurance issues using the maqasid sharia approach. The analysis was carried out by descriptive analytical analysis. The author describes the main theme and then analyzes it from maqasid sharia point of view. Induction analysis patterns are carried out to analyze general data before they are identified and concluded in a general conclusion; namely the philosophy of insurance and maqasid sharia. On the other hand, deduction approach is used when the concept of maqasid sharia which is the conclusion of the nash argument is sought for its relevance to be applied in the insurance.

Maqasid Shari'a in human life is seeking or getting maslahah (benefit). There are five aspects that must be protected which are known as al-kuliyyah al-khams; religion, soul, mind, descendants and property. On the field, the protection of maqasid sharia against al-kuliyyah al-khams can be done from two sides; the manifestation side (ijabiyah) and the prevention side (salbiyah). Insurance coverage in accordance with maqasid sharia is hifdzu din (protecting religion), hifdzu nafs (protecting life), hifdzu 'aql (protecting the mind), hifdzu nasl (protecting descendants) and hifdzu mal (protecting property).

The results of this study indicate that Islamic insurance and maqasid sharia have the same goal in the stipulation of maqasid sharia or at least participate in realizing the benefits of human life.

Keyword; insurance, maqasid, sharia.


Keywords


asuransi; maqasid; syariah

Full Text:

PDF

References


Agusti, N. (2019). Relevansi Asuransi Syari’ah dengan Konsep Maqashid Syari’ah: Telaah Indikator. Saqifah: Jurnal Hukum Ekonomi Syari'ah, 4(1), 65-74.

Anwar, S. (2005). Maqâshid al-Syarî’ah dan Metodologi Ushul Fikih. Wawan Gunawan Abd. Wahid, dkk (Eds.), Fikih Kebinekaan: Pandangan Islam Indonesia tentang Umat, Kewargaan, dan Kepemimpinan non-Muslim. Bandung: Mizan bekerja sama dengan Maarif Institute.

Asy-Syatibi, Abu Ishaq. tt. Al-Muwafaqat fi Ushul asy-Syari’ah. Tahqiq Abdullah Daraz. Kairo: ar-Rahmaniyyah.

Dahlan, A. A. (1996). Ensiklopedi hukum islam. Jakarta: Ichtiar Baru Van Hoeve.

Djamil, Fathurrahman, (1995). Filsafat Hukum Islam. Jakarta: Logos Wacana Ilmu.

Echols, J. M., & Shadily, H. (1996). Kamus: Inggris- Indonesia; Indonesia-Inggris.[1]. Inggris- Indonesia: an English-Indonesian dictionary. Gramedia Pustaka Utama.

Fasi, Alal, A, (tt). Maqasid asy-Syari’ah al-Islamiyyah wa Makarimuha. t.tp: Maktabah al-Wihdah al- Islamiyyah (tt: 3).

Fathurrahman, D. (1997). Filsafat Hukum Islam. Jakarta: Logos Wacana Ilmu.

Fatwa DSN-MUI No. 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syari’ah

Fatwa DSN-MUI No. 39/DSN-MUI/X/2002 tentang Asuransi Haji,

Fatwa DSN-MUI No. 51/DSN-MUI/III/2006 tentang Akad Mudharabah Musytarakah pada Asuransi Syari’ah,

Fatwa DSN-MUI No. 52/DSN-MUI/III/2006 tentang Akad Wakalah Bil Ujrah pada Asuransi Syari’ah dan Reansuransi Syari’ah,

Fatwa DSN-MUI No. 53/DSN-MUI/III/2006 tentang Akad Tabarru’ pada Asuransi Syari’ah

Htay, Sheila (2014). An Analysis of the Viability of Micro Health Takaful in Malaysia, Emerald Group Publishing Limited Qualitative Research in Financial Markets Vol. 7 No. 1. 2014.

Huda, N., & Heykal, M. (2010). Lembaga Keuangan Islam. Kencana.

Hussain, M. M., & Pasha, A. T. (2011). Conceptual and operational differences between general takaful and conventional insurance. Australian Journal of Business and Management Research, 1(8), 23-28.

Ismanto, K. (2017). Peran Asuransi dalam Mewujudkan Kemaslahatan Manusia: Studi Implementasi Maqasid asy-Syariah dalam Asuransi. Asuransi dalam Kajian Maqasid asy-Syariah, 1-16.

Khalaf, Abdul Wahab, and Ilmu Ushul Fiqh. (1996). "alih bahasa Masdar Helmy."

Khozin, M. (2017). Prinsip Pemikiran Asuransi Islam. Al-Fikra: Jurnal Ilmiah Keislaman, 7(1), 187-203.

Marimin A, (2019). Maqashid Kajian Asuransi Syari’ah, Jurnal Education and Economics, Vol .02, No. 03 (Juli-September) 2019: 261-269.

Maysami, R. C., & Kwon, W. J. (1999). An Analysis of Islamic Takaful Insurance. Journal of Insurance Regulation, 18(1).

Mehr dan Cammack. (1981). Dasar- dasar Asuransi, penyadur A. Hasyimi Jakarta: Balai Aksara.

Projodikoro, W. (1979). Hukum Asuransi di Indonesia, Jakarta: PT.

Puspitasari, N. (2011). Sejarah dan Perkembangan Asuransi Islam serta Perbedaannya dengan Asuransi Konvensional. Jurnal Ekonomi Akuntansi dan Manajemen, 10(2).

Pustaka, Balai. (2001)."Kamus besar bahasa Indonesia." Jakarta: Balai Pustaka

Rahman A, (1996). Doktrin Ekonomi Islam, Jilid 4. Yogyakarta: Dana Bhakti Wakaf.

Ramadhani, Herry, (2015). Prospek Dan Tantangan Perkembangan Asuransi Syari’ah Di Indonesia.

Sadeghi, Mehdi, (2010). the Evolution of Islamic Insurance-Takaful: a Literature Survey. Insurance Markets and Companies: Analyses and Actuarial Computations, Vol, 1. Issue 2. 2010.

Sahroni, O., & Karim, A. A. (2015). Maqashid Bisnis dan Keuangan Islam: sintesis fikih dan ekonomi.

Salman, S. A. (2014). Contemporary Marketing Issues in Takaful. Journal of Economic & Management Perspectives, 8(4), 13.

Sula, Muhammad Syakir (2004) Asuransi Syariah, Jakarta: Gema Insani Press.

Syafei, Z. (2017). Tracing Maqashid Al-Syariah in the Fatwas of Indonesian Council of Ulama (MUI). Journal of Indonesian Islam, 11, No. 01, June 2017

Syatibi, A. I. A., & Ishaq, A. (1997). al-Muwafaqat fi Ushul asy-Syari’ah. Juz I, Beirut.

Wahab Khalaf, A. (1978). Ilmu Ushul al-Fiqh. Kuwait: Dar al-Qalam.

Wahbah, Az-Zuhaily, and Al-Fiqh Al-Islam Wa’adillatuhu. (1984). Dar Al-Fikr.

Yafie, A. (1994). Menggagas Fiqh Sosial. Bandung: Mizan.

Zaini, Muhammad Ardy. (2015). Aspek-Aspek Syari’ah dalam Asuransi Syari’ah. Iqtishoduna. Vol. 6 No. 2. Oktober 2015.

Zuhdi, M. (1997). Masail Fiqhiyah, cet. 10 Jakarta. Toko Gunung Agung.




DOI: http://dx.doi.org/10.21927/jesi.2020.10(2).159-172

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Editorial Office:

Faculty of Islamic Economics and Business, Universitas Alma Ata

Jl. Brawijaya No.99, Jadan, Tamantirto, Kec. Kasihan, Kabupaten Bantul, Daerah Istimewa Yogyakarta 55184

Lisensi Creative Commons
JESI by http://ejournal.almaata.ac.id/index.php/JESI is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.